CA2669320A1 - Secure financial transactions - Google Patents

Secure financial transactions Download PDF

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Publication number
CA2669320A1
CA2669320A1 CA002669320A CA2669320A CA2669320A1 CA 2669320 A1 CA2669320 A1 CA 2669320A1 CA 002669320 A CA002669320 A CA 002669320A CA 2669320 A CA2669320 A CA 2669320A CA 2669320 A1 CA2669320 A1 CA 2669320A1
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CA
Canada
Prior art keywords
financial transaction
transaction
financial
account number
transactor
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002669320A
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French (fr)
Other versions
CA2669320C (en
Inventor
Serge Christian Pierre Belamant
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NET1 UEPS TECHNOLOGIES Inc
Original Assignee
Net1 Ueps Technologies, Inc.
Serge Christian Pierre Belamant
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Publication of CA2669320A1 publication Critical patent/CA2669320A1/en
Application granted granted Critical
Publication of CA2669320C publication Critical patent/CA2669320C/en
Expired - Fee Related legal-status Critical Current
Anticipated expiration legal-status Critical

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823—Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
    • H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

a primary account number ("PAN") of a conventional credit or debit account with a bank or other financial institution is emulated or simulated, which incorporates, in encrypted form, the actual account number. The simulated PAN may also incorporate an amount to be debited from that account. Thus, an account number and an amount are encrypted and mapped into a string of digits which appears to be a valid PAN. The actual account number and the transaction amount are thus embedded in the simulated PAN. The simulated PAN is then processed by existing financial transacting infrastructure, with the issuing bank knowing that it is not a PAN and that the appropriate digits are to be decrypted to provide the embedded account number and the embedded amount. In one application, a transactor wishing to effect a financial transaction, generates a simulated PAN and supplies it to a supplier of goods or services from whom he wishes to purchase said goods or services. The supplier enters the simulated PAN and the amount of the transaction in a conventional way. This data is then transmitted to an acquiring bank, which onwardly transmits it to the issuing bank for authorisation. The issuing bank then extracts the embedded account number and embedded amount, checks that the embedded amount and the supplied amount are the same (as well as other conventional checks), and if they are the same authorizes the transaction. Those skilled in the art will appreciate that, in most instances, a transactor is required to provide an expiry date and a card verification value ("CVV"). Either or both of these could also be simulated and used to encrypt information

Claims (60)

1. A financial transaction number generator for generating a unique transaction number, in which the transaction number simulates a conventional credit or debit card primary account number and incorporates therein an account number of a transactor
2. A financial transaction number generator as claimed in Claim 1, in which the transaction number also incorporates a transaction amount.
3. A financial transaction number generator as claimed in Claim 2, which includes an input means, operable by the transactor, whereby the transactor may input the transaction amount.
4. A financial transaction number generator as claimed in Claim 1 or 2, which generates a string of numerals, the number thereof being in accordance with a conventional protocol, and an initial predetermined number thereof being a bank identification number for identifying a designated financial institution at which the transaction will be approved and which will be responsible for payment of the transaction amount.
5. A financial transaction number generator as claimed in Claim 3, in which the last numeral in the string is a check digit.
6. A financial transaction number generator as claimed in Claim 1 or 2, which also generates a simulated expiry date.
7. A financial transaction number generator as claimed in Claim 1 or 2, which also generates a simulated card verification value number.
8. A financial transaction number generator as claimed in Claim 1 or 2, in which the simulated primary account number is encrypted and which includes an encryptor for supplying an encrypted primary account number in accordance with a predetermined encryption algorithm.
9. A financial transaction number generator as claimed in Claim 1, which also incorporates in the simulated primary account number an identifier of a designated payee.
10. A financial transaction number generator as claimed in Claim 1, which also incorporates an identifier of a designated transaction medium.
11. A financial transaction number generator as claimed in Claim 2, which includes an electronic purse, the credit amount therein being decreased in accordance with the transaction amount when the simulated primary account number is generated.
12. A financial transaction number generator as claimed in Claim 8, which includes a memory module in which the transactor's account number and the encryption algorithm are stored.
13. A financial transaction number generator as claimed in Claim 2, which generates an intermediary number and a password which provide the required simulated primary account number when a predetermined decryption algorithm is used.
14. A financial transaction number generator as claimed in Claim 13, which includes the predetermined decryption algorithm.
15. A financial transaction number generator as claimed in Claim 1, which is operable by a transactor.
16. A carrier for providing a financial transaction number generator as claimed in Claim 8 with the encryption algorithm, which has the encryption algorithm therein or thereon.
17. A memory module for use with a financial transaction number generator as claimed in Claim 12, which includes the transactor's account number and the encryption algorithm.
18. A financial institution processing facility for processing a financial transaction number that simulates a conventional credit or debit card primary account number and which has incorporated therein an account number of a transactor, which includes an extractor for extracting from the simulated primary account number the account number.
19. A financial institution processing facility as claimed in Claim 18, in which the financial transaction number also incorporates a transaction amount and the financial transaction number is received together with a request to authorize payment of a deal amount, and in which the extractor also extracts from the simulated primary account number the transaction amount.
20. A financial institution processing facility as claimed in Claim 18, which includes a single use checking arrangement for ensuring that a received simulated primary account number may only be used once.
21. A financial institution processing facility as claimed in Claim 20, in which the single use checking arrangement includes a store in which at least designated portions of previously received simulated primary account numbers are stored and a comparator for comparing at least the designated portion of a received simulated primary account number with the stored portions.
22. A financial institution processing facility as claimed in Claim 19, which includes a response message generator for generating a message to a transactee to approve or refuse the requested transaction.
23. A financial institution processing facility as claimed in Claim 22, which includes a forwarding arrangement for forwarding the response message to the transactee via a conventional financial communication network.
24. A financial institution processing facility as claimed in Claim 18, which includes a receiving arrangement for receiving the simulated primary account number via a conventional financial communication network.
25. A financial institution processing facility as claimed in Claim 22, which includes a transaction checking arrangement for checking if the transactor has an account, if he has sufficient funds, and if the extracted transaction amount is the same as the deal amount and for authorizing the transaction if these are all correct, the response message generator being responsive thereto.
26. A financial institution processing facility as claimed in Claim 25, which includes a debiting arrangement for debiting the transactor's account with the deal amount if the transaction is authorized.
27. A financial institution processing facility as claimed in Claim 18, which includes a decryptor for decrypting encrypted simulated primary account numbers.
28. A financial institution processing facility as claimed in Claim 18, in which the financial transaction number has been generated by the transactor.
29. A system for processing a financial transaction, which includes a financial transaction number generator as claimed in any one of Claims 1 to 15; and a financial institution processing facility as claimed in any one of Claims 18 to 28.
30. A method of conducting a financial transaction, which includes generating a unique financial transaction number which simulates a conventional credit or debit card primary account number and incorporates therein an account number of a transactor.
31. A method of conducting a financial transaction as claimed in Claim 30, in which the financial transaction number incorporates therein a transaction amount.
32. A method of conducting a financial transaction as claimed in Claim 31, in which the financial transaction number is generated by the transactor and includes inputting of the transaction amount by the transactor.
33. A method of conducting a financial transaction as claimed in Claim 30, which includes generating a string of numerals, the number thereof being in accordance with a conventional protocol, and an initial predetermined number thereof being a bank identification number for identifying a designated financial institution at which the transaction will be approved and which will be responsible for payment of the transaction amount.
34 A method of conducting a financial transaction as claimed in Claim 33, in which the last numeral in the string is a check digit.
35. A method of conducting a financial transaction as claimed in Claim 30, which includes also generating a simulated expiry date.
36. A method of conducting a financial transaction as claimed in Claim 30, which includes also generating a simulated card verification value number.
37. A method of conducting a financial transaction as claimed in Claim 30, which includes causing an encrypted simulated primary account number to be generated in accordance with a predetermined encryption algorithm.
38. A method of conducting a financial transaction as claimed in Claim 30, which includes also incorporating in the simulated primary account number an identifier of a designated payee.
39. A method of conducting a financial transaction as claimed in Claim 30, which includes also incorporating an identifier of a designated transaction medium.
40. A method of conducting a financial transaction as claimed in Claim 31, which includes causing a credit amount in an electronic purse to be decreased in accordance with the transaction amount when the simulated primary account number is generated.
41. A method of conducting a financial transaction as claimed in Claim 37, which includes generating an intermediary number and a password which provide the required simulated primary account number when a predetermined decryption algorithm is used.
42. A method of conducting a financial transaction as claimed in Claim 41, which includes decrypting an intermediary encrypted number, using an appropriate password and decryption algorithm to generate the simulated primary account number.
43. A method of conducting a financial transaction as claimed in Claim 30, in which the financial transaction number is generated by the transactor.
44. A method of processing a financial transaction, which includes receiving an ostensible financial transaction number that simulates a conventional credit or debit card primary account number and which has incorporated therein an account number of a transactor, together with a request to authorize payment of a deal amount,; and extracting from the simulated primary account number the account number.
45. A method of processing a financial transaction as claimed in Claim 44, in which the received financial transaction number also has incorporated therein a transaction amount and which includes also extracting the transaction amount.
46. A method of processing a financial transaction as claimed in Claim 44, which includes ensuring that a received simulated primary account number may only be used once.
47. A method of processing a financial transaction as claimed in Claim 46, which includes storing at least designated portions of previously received simulated primary account numbers and comparing at least the designated portion of a received simulated primary account number with the stored portions.
48. A method of processing a financial transaction as claimed in Claim 44, which includes generating a response message to a transactee to approve or refuse the requested transaction.
49. A method of processing a financial transaction as claimed in Claim 48, which includes forwarding the response message to the transactee via a conventional financial communication network.
50. A method of processing a financial transaction as claimed in Claim 44, which includes receiving the simulated primary account number via a conventional financial communication network.
51. A method of processing a financial transaction as claimed in Claim 45, which includes checking if the transactor has an account, if he has sufficient funds, and if the extracted transaction amount is the same as the deal amount, and authorizing the transaction if these are all correct.
52. A method of processing a financial transaction as claimed in Claim 51, which includes debiting the transactor's account with the deal amount if the transaction is authorized.
53. A method of processing a financial transaction as claimed in Claim 44, which includes decrypting encrypted simulated primary account numbers.
54. A method of processing a financial transaction as claimed in Claim 44, in which the financial transaction number was generated by the transactor.
55. A method of facilitating a financial transaction in which an encrypted financial transaction number that simulates a conventional credit or debit card primary account number and which has incorporated therein an account number of a transactor is generated by a transactor, which includes providing the transactor with a memory module which has the transactor's account number and an encryption algorithm stored therein.
56. A method of facilitating a financial transaction in which an encrypted financial transaction number that simulates a conventional credit or debit card primary account number and which has incorporated therein an account number of a transactor is generated by a transactor, which includes transmitting to the transactor his account number and an encryption algorithm.
57. A financial transaction number generator, substantially as described herein with reference to the accompanying drawings.
58. A financial institution processing facility, substantially as described herein with reference to the accompanying drawings.
59. A method of initiating a financial transaction, substantially as described herein with reference to the accompanying drawings.
60. A method of processing a financial transaction, substantially as described herein with reference to the accompanying drawings.
CA2669320A 2006-11-16 2007-11-16 Secure financial transactions Expired - Fee Related CA2669320C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
ZA200609533 2006-11-16
ZA2006/09533 2006-11-16
PCT/IB2007/054678 WO2008059465A2 (en) 2006-11-16 2007-11-16 Secure financial transactions

Publications (2)

Publication Number Publication Date
CA2669320A1 true CA2669320A1 (en) 2008-05-22
CA2669320C CA2669320C (en) 2017-10-31

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CA2669320A Expired - Fee Related CA2669320C (en) 2006-11-16 2007-11-16 Secure financial transactions

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US (2) US20100088227A1 (en)
EP (1) EP2095311A2 (en)
JP (1) JP2010510567A (en)
KR (3) KR20170034920A (en)
CN (1) CN101573723A (en)
AP (1) AP3361A (en)
AT (1) AT506775A2 (en)
AU (1) AU2007320785B2 (en)
BR (1) BRPI0718902A2 (en)
CA (1) CA2669320C (en)
CH (2) CH698351B1 (en)
DE (1) DE112007002744T5 (en)
EG (1) EG25664A (en)
FI (1) FI20095662L (en)
GB (1) GB2457204A (en)
IL (1) IL198738A (en)
MA (1) MA30987B1 (en)
MX (1) MX2009005257A (en)
MY (1) MY153194A (en)
NZ (1) NZ577677A (en)
PH (1) PH12015500674A1 (en)
RU (1) RU2479032C2 (en)
SE (1) SE0950453L (en)
WO (1) WO2008059465A2 (en)
ZA (1) ZA200903802B (en)

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